建设工程监理责任保险费率问题研究  

Study on the premium rate of professional liability insurance for supervising engineers

作　　者：王雪青[1] 孟海涛[1] 喻刚[1] 

机构地区：[1]天津大学,天津300072

出　　处：《土木工程学报》2009年第1期130-134,共5页China Civil Engineering Journal

基　　金：国家自然科学基金(70772057)

摘　　要：对影响监理责任保险费率的相关因素进行研究,确定各主要因素对费率的影响排序,为新的费率厘定方法打下基础。分析我国现行监理责任保险费率确定方法中的不足与缺陷,借鉴国外经验,探索了一种更加科学、便于操作和符合现阶段这一险种实际情况的费率厘定方法。即以现行的天安保险公司的监理责任保险条款为基础确定基本费率,把影响费率的其它因素根据其影响力的大小定量为修正系数,加入到定价模型中以确定最终费率。通过对修正系数的调整可以保证保险公司在该险种总保费收入不变的情况下,实现该险种的差异化和合理化服务,改善该险种现行保费的过分单一情况,从而更有利于吸引投保和提高保险公司在这一险种上的竞争力,促进我国建设工程监理责任保险的发展。The factors that influence the premium of professional liability insurance for supervising engineers of construction projects are analyzed. Considering our national conditions and referencing to foreign experiences, the important degree of these factors are defined. The defects in present pricing method are then analyzed, and a more scientific and easy-to-operate pricing method is suggested. The new method first decides the fundamental rate based on the items of the Tian-An insurance company, then, it determines the final premium by using the revision coefficients confirmed according to their importance degree and relativity. Through adjustment of the revision coefficients, the pricing model could guarantee the insurance company in the total insurance premium income irrespective of the situations in this type of insurance. At the same time, it could improve the excessive stand-alone situation of the present insurance premium of this type of insurance, thus becomes more advantageous to attract insurance premium and enhance the competitive ability of the insurance company, and promotes the development of insurance for supervising engineers in China.

关 键 词：建设工程 监理责任保险 费率厘定 定价模型 

分 类 号：F842[经济管理—保险]